i do something that im allmost embarrised to share but fuck it i will.
every month with out fail i spend 1 week where i place exactly what i would recive if i were on income support into a very basic bank account and i have a sepperate handbag with a purse in it that only contains the debit card to that account all my other cards every single one gets locked in a safe along with any cash in my possesion.
i basicly deduct £25 for power £5 water £4 tv license £15 for phone/net/tv and a few other things and deduct those from the basic income support figures and do not transfer the deducted money across.
i base these figures soley on what a friend of mine who lives in a fairly normal 3 bed house pays shes restricted to prepay meters and other things that bump up costs for her.
obviously i already have these bills and they are paid but i deduct the amounts to make it so its not all disposable money if that makes sense.
the rules are, during that week that is the only money i will access unless its a work related emergency cost.
i am not allowed to stock up on anything food wise in the weeks before nor will i intentionally buy large items or have big shopping sprees to make having limited funds that week easyer
i can not borrow anything.
everything me or the children need during that week gets delt with from that money (unless its a proper disability related cost like a carers bill or that sort of thing).
it saves me lots of money and tends to stop me being extravigant in my daily life and place more value on how priviliged i am.
there is a fair bit more to it than just that ive always done it my grand dad made me many moons ago for lots of different reasons, he also threw in lots of curve balls like deducting for bank charges and bizare made up sanctions or would pretend clamp my car. i know its nothing at all like really being skint but it gives you a huge amount of respect for others and saves lots of money.